I think 30% defensive is a bit too conservative for younger people with 30-40 years left before they retire. Besides an emergency fund I would have little to no bonds until about 40-45yr
N100 and A200 are all you need if you have a 20+ year time horizon before transitioning to retirement. Dividend reinvestment plans set up too of course.
I was buying NDQ when the Nasdaq was at 10,500-11,000. It's outperformed partly due to a favourable exchange rate. I agree with cricketking. You could do far worse than putting money into the higher growth NDQ whenever it's had a pullback. And turning on the DRP.
I remember when I first started getting into crypto in 2019, but by the end of 2020 I was exhausted because I was stupid and didn’t understand. I studied and learned and now I know how it works. I got back into crypto in early 2023 with 10k and soon had 128k
I’m new to crypto and I don’t really understand how it works. How do I recognize the right investment approach and how can I make good profits from crypto investments?
I’ve lost a lot of participants on my own and without guidance. It’s been a tough journey for me. Who is your mentor? How can I contact you? Do I really need help in this market right now?
Lot of poly waffle here. Get to the point! Really it’s a matter of definition for ages and time lines til retirements. The best strategy for all is just Australian and international shares with balanced an option in Super. International shares have always performed the best so at least 50%. Australian shares 25% (or 50%) or Balanced 25%. General major market indices ETFs IVV,NDQ,FANG & A200. Timing plays a part but over many decades it won’t matter. Compound rates of return of 10 to 20% has and will result in substantial lump sums at retirement. Private Equity is not defensive. It’s a brilliant one for low interest rate environments during bull markets but the opposite during bear markets. Yearly returns can be over 20% in bull markets. Enough cash for 2 years in a bear market in retirement. Important thing is not over complicate the situation for most investors. There are so many ETFs now that it has become very confusing. Investors want simplicity and something that can be set and forget or have limited changes. Understanding the psychology of investing is important. Too many talking heads just confusing investors. Froth and bubble either way.
that's playground bullying standing on other shoes for deformation of your worth on the shoes. same as keying a Porsche because they feel they don't have the same entitlement or worth that you can afford or not based on materialistic value.
Last comment only promise, you mentioned that chinese and indian shares are risky, but arent they outside ot the Western world the biggest growers or wealth. For instance Indian wealth is far bigger than Aus wealth plus prominent figures in china and indian head up Mircosoft, Adobe, Apple etc
Can someone pls advise what is the popularity of the VAS etf when it’s done absolutely nothing in nearly 4 yrs? Bought in pre-Covid around$90 and it sits at 85.98 today and this is the safe as houses asx300 etf, but u don’t hear a bad word about ‘em the go to etf they say. What am I missing
Hey Albert! Great question. Have you included the effect of your dividends? It’s been a hard 2-3 years for investors because interest rates have gone from basically 0% to nearly 5%. But if we include the impact of dividends, it’s easy to see VAS has still done okay - even if it’s not perfect right now. I consider VAS a *long term investment*. To me, long term = 10+ years. That’s enough to ‘average out’ the bad times with some good times. I hope that helps. Owen Rask P.S. nothing in this comment should be considered financial advice. Don’t forget to read the VAS Product Disclosure Statement (PDS) and speak to a licenced adviser 😉
I don't understand why every financial advisor is so in love with bonds. I'm a noob but this just looks like 20% of my portfolio losing me money. Gold seems like a much better hedge if I need it during those down times. If I want an income, dividends look like they perform so much better even in a bear market. Bonds are sad money.
Bonds are typically used to smooth a portfolio, like gold intends to, but it also provides income. The past 5 years don’t look good on a bond ETF share price chart… but what do you they say “past performance is…” Depending on the age, risk profile and existing assets of an investor, bonds could in fact be a tiny part of a portfolio. For example, I think (off the top of my head) more than 70% of our Rask Invest investors choose our Jupiter strategy, which is 90% growth. And of the remaining 10% a bit is a cash holding. Then there are alts, real assets, property, credit, etc. Not sure that helps? Owen
![10 ASX shares, ETFs and funds for passive income, ft. Drew Meredith [2/4] Selfwealth LIVE](http://i.ytimg.com/vi/OW5scNm42U4/mqdefault.jpg)
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First time watcher. Gained some great knowledge especially leading into retirement.
This is worth thousands of dollars for free thank you Owen
I think 30% defensive is a bit too conservative for younger people with 30-40 years left before they retire. Besides an emergency fund I would have little to no bonds until about 40-45yr
I’m really learning lots and also enjoying it. Thank you!!😊
Thanks, Owen. This was incredibly helpful!
Hi All from very wet Queensland. Time confusion but made it cheers
Must be in love with those shoes!
N100 and A200 are all you need if you have a 20+ year time horizon before transitioning to retirement. Dividend reinvestment plans set up too of course.
my opinion only, of course!
@@cricketking7871of course...😊
I was buying NDQ when the Nasdaq was at 10,500-11,000. It's outperformed partly due to a favourable exchange rate. I agree with cricketking. You could do far worse than putting money into the higher growth NDQ whenever it's had a pullback. And turning on the DRP.
A fair opinion at that, mate!
Unrelated useless pondering: is there science behind the 1 letter + 300 number ticker symbol… the mind wanders…
~ Owen
All fair points! Long live the “DRIPS”!
I own Macquarie arrowstreet global equity. Nothing wrong with some money in a managed fund I don’t think. I also like some dividend aristocrat shares
Wow thank you so much for sharing this Owen, legend!!!
I split between VDCO and VDHG equally because I want a 60/40 portfolio
I remember when I first started getting into crypto in 2019, but by the end of 2020 I was exhausted because I was stupid and didn’t understand. I studied and learned and now I know how it works. I got back into crypto in early 2023 with 10k and soon had 128k
I’m new to crypto and I don’t really understand how it works. How do I recognize the right investment approach and how can I make good profits from crypto investments?
I’ve lost a lot of participants on my own and without guidance. It’s been a tough journey for me. Who is your mentor? How can I contact you? Do I really need help in this market right now?
As an aspiring investor, all you need is a mentor to hold you accountable.
How do you find a professional account manager who is trustworthy and reputable, which is hard to find these days?
Honestly. I will continue to trade and follow Stephanie Gloria’s daily signals and tips as long as it works for me.
Thank u Owen
Lot of poly waffle here. Get to the point!
Really it’s a matter of definition for ages and time lines til retirements.
The best strategy for all is just Australian and international shares with balanced an option in Super. International shares have always performed the best so at least 50%. Australian shares 25% (or 50%) or Balanced 25%.
General major market indices ETFs
IVV,NDQ,FANG & A200.
Timing plays a part but over many decades it won’t matter. Compound rates of return of 10 to 20% has and will result in substantial lump sums at retirement.
Private Equity is not defensive. It’s a brilliant one for low interest rate environments during bull markets but the opposite during bear markets.
Yearly returns can be over 20% in bull markets.
Enough cash for 2 years in a bear market in retirement.
Important thing is not over complicate the situation for most investors. There are so many ETFs now that it has become very confusing. Investors want simplicity and something that can be set and forget or have limited changes.
Understanding the psychology of investing is important. Too many talking heads just confusing investors. Froth and bubble either way.
that's playground bullying standing on other shoes for deformation of your worth on the shoes. same as keying a Porsche because they feel they don't have the same entitlement or worth that you can afford or not based on materialistic value.
Last comment only promise, you mentioned that chinese and indian shares are risky, but arent they outside ot the Western world the biggest growers or wealth. For instance Indian wealth is far bigger than Aus wealth plus prominent figures in china and indian head up Mircosoft, Adobe, Apple etc
Can someone pls advise what is the popularity of the VAS etf when it’s done absolutely nothing in nearly 4 yrs? Bought in pre-Covid around$90 and it sits at 85.98 today and this is the safe as houses asx300 etf, but u don’t hear a bad word about ‘em the go to etf they say. What am I missing
Hey Albert! Great question. Have you included the effect of your dividends?
It’s been a hard 2-3 years for investors because interest rates have gone from basically 0% to nearly 5%. But if we include the impact of dividends, it’s easy to see VAS has still done okay - even if it’s not perfect right now.
I consider VAS a *long term investment*. To me, long term = 10+ years. That’s enough to ‘average out’ the bad times with some good times.
I hope that helps.
Owen Rask
P.S. nothing in this comment should be considered financial advice. Don’t forget to read the VAS Product Disclosure Statement (PDS) and speak to a licenced adviser 😉
Sounds like a lot of risk for very little reward
You want to aim to live off Australian company dividends when you retire, just saying.
I don't understand why every financial advisor is so in love with bonds. I'm a noob but this just looks like 20% of my portfolio losing me money. Gold seems like a much better hedge if I need it during those down times. If I want an income, dividends look like they perform so much better even in a bear market. Bonds are sad money.
Bonds are typically used to smooth a portfolio, like gold intends to, but it also provides income. The past 5 years don’t look good on a bond ETF share price chart… but what do you they say “past performance is…”
Depending on the age, risk profile and existing assets of an investor, bonds could in fact be a tiny part of a portfolio.
For example, I think (off the top of my head) more than 70% of our Rask Invest investors choose our Jupiter strategy, which is 90% growth. And of the remaining 10% a bit is a cash holding.
Then there are alts, real assets, property, credit, etc.
Not sure that helps?
Owen
@@Rask-invest Thank you for the reply.
EBTC 5% instead of the boomer rock
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